Debt consolidation loan? i'm trying to consolidate my $25000 cc debts with consolidation loan but

i'm trying to consolidate my $25000 cc debts with consolidation loan but no bank approves loans to me. i think adjectives of my ccs are maxed out.
but i'm paying all my bills prompt (only minimum..can't pay more).
2 are BofA$8800 beside 24.99% interest,2 are CITI $9900 with 26.99% interest and rest 6 are$5500 . i asked to CITI card to lower my interest rates but they be not helping me at all. is anyone know where on earth i can get a loan for debt consolidation?
manly 28 living in southern CA. credit ranking 640.
annual gross $70000 . Married .wife not working( no credit). rent.
please help.

Answers:
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